******************************* CALIFORNIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.250 |
3.250 |
>$484K |
3.500 |
3.125 |
------ |
------ |
3.500 |
------ |
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.750 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.500 |
3.125 |
3.375 |
3.500 |
>$484K |
3.750 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.299 |
2.927 |
3.290 |
2.924 |
3.038 |
3.163 |
|
>$484K |
3.500 |
3.000 |
------ |
------ |
3.375 |
------ |
APR |
3.512 |
3.058 |
------ |
------ |
3.397 |
------ |
|
Jumbo |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.736 |
3.780 |
------ |
------ |
4.027 |
4.153 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.375 |
3.750 |
3.375 |
------ |
------ |
APR |
3.905 |
3.446 |
3.806 |
3.451 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.250 |
3.250 |
>$484K |
3.875 |
3.500 |
------ |
------ |
3.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.500 |
3.000 |
3.375 |
3.375 |
>$484K |
3.750 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.272 |
2.879 |
3.253 |
2.855 |
3.012 |
3.137 |
|
>$484K |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.715 |
3.742 |
------ |
------ |
4.006 |
4.131 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.375 |
3.750 |
3.375 |
------ |
------ |
APR |
3.877 |
3.398 |
3.768 |
3.381 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.250 |
3.375 |
>$484K |
3.500 |
3.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.250 |
3.500 |
3.125 |
------ |
------ |
>$484K |
3.875 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.265 |
2.885 |
3.258 |
2.863 |
3.015 |
3.140 |
|
>$484K |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.717 |
3.746 |
------ |
------ |
4.008 |
4.133 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.750 |
3.375 |
------ |
------ |
APR |
3.776 |
3.403 |
3.772 |
3.390 |
------ |
------ |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.500 |
3.125 |
------ |
------ |
>$484K |
3.750 |
3.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.500 |
4.125 |
3.750 |
------ |
------ |
>$484K |
4.000 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.275 |
2.902 |
3.271 |
2.888 |
3.044 |
3.169 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.145 |
3.846 |
------ |
------ |
3.890 |
4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.250 |
3.625 |
3.250 |
------ |
------ |
APR |
3.681 |
3.350 |
3.689 |
3.368 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
2.875 |
3.125 |
3.250 |
>$484K |
3.750 |
3.500 |
------ |
------ |
3.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.258 |
2.871 |
3.247 |
2.843 |
3.008 |
3.133 |
|
>$484K |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.722 |
3.755 |
------ |
------ |
4.013 |
4.138 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.750 |
3.375 |
------ |
------ |
APR |
3.768 |
3.389 |
3.761 |
3.369 |
------ |
------ |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.250 |
3.625 |
3.250 |
------ |
------ |
>$484K |
3.875 |
3.625 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.625 |
3.875 |
3.500 |
------ |
------ |
>$484K |
4.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.283 |
2.917 |
3.283 |
2.910 |
3.043 |
3.168 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.148 |
3.851 |
------ |
------ |
3.893 |
4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.625 |
3.250 |
------ |
------ |
APR |
3.794 |
3.436 |
3.701 |
3.391 |
------ |
------ |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.250 |
3.500 |
3.125 |
------ |
------ |
>$484K |
3.750 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.750 |
3.375 |
------ |
------ |
>$484K |
4.000 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.297 |
2.942 |
3.302 |
2.947 |
3.056 |
3.182 |
|
>$484K |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.727 |
3.763 |
------ |
------ |
4.018 |
4.143 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.625 |
3.250 |
------ |
------ |
APR |
3.809 |
3.461 |
3.721 |
3.428 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.250 |
3.250 |
>$484K |
3.500 |
3.250 |
------ |
------ |
3.375 |
------ |
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.625 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.500 |
3.000 |
3.375 |
3.375 |
>$484K |
3.750 |
3.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
APR |
3.272 |
2.878 |
3.253 |
2.854 |
3.012 |
3.137 |
|
>$484K |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.715 |
3.741 |
------ |
------ |
4.005 |
4.130 |
|
Jumbo |
3.750 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
3.709 |
3.731 |
------ |
------ |
4.000 |
4.125 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.375 |
3.750 |
3.375 |
------ |
------ |
APR |
3.877 |
3.397 |
3.767 |
3.380 |
------ |
------ |